Before you start browsing listings or falling in love with a new home, it’s worth taking a step back. Your ideas and plans are important — but so is understanding what’s realistically possible. By talking to us first, you get a clear view on your budget, financing options and different scenarios, based on your personal situation. That way, you can search with confidence, avoid disappointment later on, and focus on homes that truly fit both your dreams and your financial comfort.
Make an appointment with an ING advisor to explore your options with advice tailored to you.
"}},{"componentType":"sectionTitle","title":"Step 2: Decide what to do with your current property"},{"componentType":"paragraph","richBody":{"value":"Before looking at financing, it’s crucial to decide what you want to do with your current home:
Do you want to discuss your options with an advisor and check feasibiltiy? Make an appointment with an advisor.
"}},{"componentType":"sectionTitle","title":"Step 3: Finance your project(s)"},{"alignedImage":{"position":"left","extension":"jpg","original":"https://assets.ing.com/asset/d475dc31-572a-4c2b-8b72-ed3d33281d61/Large_Web-and-Screen-Woman-walks-through-luxury-home.jpg","transformBaseUrl":"https://assets.ing.com/transform/d475dc31-572a-4c2b-8b72-ed3d33281d61/Large_Web-and-Screen-Woman-walks-through-luxury-home"},"componentType":"paragraph","richBody":{"value":"Whether you decide to sell your current home or rent it out, financing often plays a role in making your next step possible. Depending on your plans, timing and budget, different solutions can come into play:
Next, we look at what you already have — such as your current home and mortgage inscriptions — and how different collateral options can be used to structure your financing in the most optimal way.
Because these solutions can be combined in different ways — and because the right setup depends on your personal situation — tailored advice is usually recommended to ensure your financing fits both your current move and your longer‑term plans.
Make an appointment with an advisor
"}}]},"hasMacro":false,"id":"38ed40af-f47f-4f5a-9858-12ccca2dda05","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"The ING Mortgage Loan, the ING Bridging Loan and the Mortgage loan combined are mortgage loans subject to the law of April 2016 concerning mortgage loans. Offer reserved for private individuals over the age of 18 and subject to prior acceptance of your application by ING Belgium and mutual agreement.
Your application and any approval of your application by ING Belgium (after examination of your file by ING Belgium) in-branch or via the ‘Mortgage Loans Online’ service at ing.be are not binding for ING Belgium or you until you’ve signed the credit offer at your ING branch (or, in the case of an online application, at home) and returned it to ING. (subject to prior approval of your file by ING). Before this, we’ll look at whether the details
disclosed in your application are correct and complete based on, for example, the supporting documents that have been or will be supplied).
General conditions for ING loans are available from any ING branch and on ing.be.
ING Belgium NV/SA – Bank/Lender – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing for your home","url":"/en/individuals/borrowing/home"}},"componentType":"editorialHeader","coreHeader":{"body":"Moving home is about more than buying bricks and mortar. Often, it reflects a new stage in your life – a growing family, different priorities or a change in your personal situation. At the same time, practical choices come into play: selling or renting out your current home, managing cash flow and aligning the timing of your move. Whatever path you choose, it starts with a good plan. And we’re here to guide you through the complexity.","headerImage":{"extension":"png","original":"https://assets.ing.com/asset/6cdd659d-ee16-4547-a703-1929db8ab1f6/MGM-campagne-header-gezamenlijke-rekening.png","transformBaseUrl":"https://assets.ing.com/transform/6cdd659d-ee16-4547-a703-1929db8ab1f6/MGM-campagne-header-gezamenlijke-rekening","type":"image","width":916},"title":"Moving to a new home? We’ve got you."},"date":"2026-05-11","readingTime":6},"publishDate":"2026-08-31T13:15:20.612+02:00"}}